4WD or 2WD Toyota RAV4

Looking at a used (2004) RAV4. Great little cars (suv) but am wondering if a 2WD will work well enough. We live in Iowa, lots of snow....but have always had front wheel drive cars (accords, camrys, nissan) and normally get around just fine. Hate to spend the extra on 4WD if a 2WD will suffice?

And you won't find me doing anything at those times but putting tire chains on my rear wheels. I would NEVER run in those conditions in 4WD/AWD locked center differential, just as dangerous as even FWD.